Vani Commercials Limited (VANICOM) Fair Value & Analysis
Financial Services · IN · Market cap ₹260M
Fair value as of: Jul 6, 2026
From 23 valuation models · updated today
Share price +0.9% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹7.09 – ₹12.99 · the ₹9.00 price screens above the ₹2.85 fair value. As of Jul 6, 2026.
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Vani Commercials Limited (VANICOM) currently trades at ₹9.00, while our model-based Fair Value estimate is ₹2.85 — implying the stock looks roughly 68.3% overvalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Vani Commercials Limited generated revenue of ₹44.1M at a net margin of 8.2%. Revenue grew 158.3% year over year. It earns a return on equity of 1.5%. Net debt stands at ₹305M. Fundamentals as of Jul 6, 2026
The share trades about 36% below its 52-week high and 34% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -30% fair-value upside — at -68%, VANICOM screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.
About the company
Vani Commercials Limited, a non-banking finance company, provides lending services to retail and commercial customers, and micro, small, and medium enterprises in India. The company offers loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, and loans for purchase of commercial property, as well as lease rental discounting services. It also provides financial services comprising personal, unsecured, and home loans; corporate deposits; and management and financial consultant, and retail IPO funding services. Vani Commercials Limited was founded in 1988 and is based in New Delhi, India.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vani Commercials Limited reported revenue of ₹33.8M in FY2025 versus ₹6.7M in FY2021, a compound +50.0%/yr. Reported net income was ₹2.6M in FY2025, compounding +71.6%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.